Housing Loan Guide · Philippines
Buying from a developer accredited with the bank. Skips appraisal and title transfer prior to loan release.
Retirement doesn't disqualify you — banks simply need your pension to show up consistently in your bank statements. Whether it's SSS, GSIS, or a private pension, what matters is that the deposits are regular and traceable. The requirement list is short compared to other borrower types, which makes this one of the more straightforward applications once your pension proof is in order. A Tie-Up loan applies when you're buying from a developer that's already accredited with the bank. That existing relationship lets the bank skip a separate appraisal and defers the title transfer until after the loan is released — shaving real time off the process compared to buying from an individual seller. Since Tie-Up loans skip the pre-approval title transfer, a Pensioner borrower here can often move from application to approval noticeably faster than with a standard acquisition. One thing specific to Pensioner applicants: pension must reflect in bank statements. Below is the complete, up-to-date checklist for a Pensioner borrower pursuing a Tie-Up loan in the Philippines — 6 borrower-side documents plus everything the bank needs on the property side.
Process
Submit and complete all borrower and loan documents listed above.
You're confirmed income-qualified and cleared to proceed.
The property passes appraisal and title verification.
The bank formally guarantees the loan to the seller or developer.
Funds are disbursed and the process is complete.
Pre-Approval
Pre-Approval
Good to Know
Pension must reflect in bank statements.
What Happens Next
You're confirmed income-qualified.
Income Matching
Your monthly amortization should be 50% or below of your monthly income.
GMIR = 50% of Monthly Income
Adjusted GMIR = GMIR − Existing Monthly Amortizations
Loan Amount = Adjusted GMIR × (1 − (1 + r/12)⁻ⁿˣ¹²) / (r/12)
Post-Approval
FAQ
Because the bank already has an accreditation relationship with the developer, it can skip a separate property appraisal and defer title transfer until after the loan releases.
No — only developers formally accredited with the specific bank you're applying through.
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